Kids’ Ledger – Revenge of the Tooth Fairy

Little Miss TJL has been hoarding her baby teeth. Every time one has fallen out she has decided that she would rather have the tooth than exchange it for money. Problem is that she plays with them like toys, so they almost always get lost.

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The Big Scratch – Dow Jones reaches 20,000! – February 2017 Net Worth Report

The Dow Jones hit 20,ooo last month! Considering the current political climate, I am very wary about this milestone. Whereas the stock market seemed to be reacting to the Fed over the last couple of years, now it seems the market is responding to policy. We will see where this path leads us, of course, but I remain very skeptical. Nevertheless, we do not pretend that we can time the market, but invest as much as we can as often as we can.

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The Ledger – The Case of the Sad Bottom Line – January 2017 expense reports

Delightfulness

January was far more expensive than planned. The main culprits; Costco, vacation expenses and tree removal costs.

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Ode to a Tree

This is our tree. It is big. Notice the two-story homes around it? It seriously dwarfs the neighborhood.

I love this tree. I believe it is some sort of spruce. It has adorably droopy needles and makes a great alcove for children to play in. I have spent hours watching my child play under this tree.

But it has to go…

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The Church of FI – Jimmy Carter is a Badass!

UNLEASH YOURSELF

Even if you don’t call yourself an artist, you have the potential to be a dynamic creator who is always hatching new plans, coming up with fresh ideas, and shifting your approach to everything you do as you adjust to life’s ceaseless invitation to change.

It’s to this part of you — the restless, inventive spirit — that I address the following: … Unleash yourself! Don’t be satisfied with the world the way it is; don’t sit back passively and blankly complain about the dead weight of the mediocre status quo.

Unleash yourself! Don’t be satisfied with the world the way it is;

don’t sit back passively and blankly complain about the dead weight of the mediocre status quo.

Instead, call on your curiosity and charisma and expressiveness and lust for life as you tinker with and rebuild everything you see so that it’s in greater harmony with the laws of love and more hospitable to your soul’s code.

-Rob Brezsny

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Kid’s Ledger – Power of Suggestion

Positive feedback is known to have a direct correlation to self-worth just as power of suggestion can be used to drive results. Children can teach us a lot about the power of suggestion and since I am a personal financial blogger I will relate that directly to the relationship we have with money.

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The Cost of Raising a Child in the U.S $233,610 – Poppycock!

Side note: We almost named Little Miss TJL “Poppy”.

The esteemed U.S. Department of Agriculture released its latest report on the cost to raise a child and I cry foul! First of all, even if this figure is accurate, it covers 17 years of life; of course you are going to spend some money! But I fear it makes the cost of raising a child seem much worse than it actually is (or needs to be).

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The Big Scratch – Indulgence and January 2017 Net Worth Report

Despite being rather indulgent with luxurious vacations and collectible cars, we finished the year strong with a net worth increase of $208,884! How was this possible with an income of $151,000 ? Let’s break it down:

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The Ledger – December 2016 and Year-end Expense Reports

In 2016, we buckled down for a full year of reduced spending in the TJL household. Weekly, I diligently recorded every expense, every cash advance, every spendy child-related activity. The final tally…. A very respectable $43,208 !

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State of the Blog Address

When I started this blog in April, I needed to get a lot of ideas out of my head without driving my friends crazy. I had become a little one-note at gatherings and I could feel people distancing themselves from me.

Maybe if I play dead she’ll stop telling me to conquer my finances and slay my debt!

I believe most people want control over their financial lives but become overwhelmed by information they don’t quite trust or understand. It is easier to put it off. Often people feel guilty asking for advice and feel they should have to pay for it. Taking advice from a friend can be risky especially when said person (i.e., me) is not a professional financial advisor.

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